PlainZIP

Kokomo, IN · standard

ZIP Code 46901

Howard County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

37,633
105/sq mi
$60,495
Median income
$142,100
Median home value
17.4%
Bachelor's or higher

The verdict

Kokomo pairs a below-median household income with among the most affordable home values nationally, in a rural, homeowner-dominated area.

30th pct
household income, US ZIPs
23th pct
home value, US ZIPs
105
people per sq mi
70%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46901 against every reporting US ZIP.

ZIP code 46901 is a densely settled ZIP (a standard USPS delivery area) in Kokomo, Howard County, Indiana, with 37,633 residents across 359.1 square miles, a density of 105 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46901 reports a modest median household income of $60,495 (18% below the Indiana average), while per-capita income is $32,772. Local economic indicators show a 16.0% poverty rate alongside 7.9% unemployment. Housing costs here run $142,100 for a typical home value (27% below the state average), with rent averaging $887 a month; 70.0% of homes are owner-occupied.

Educational attainment sits below the national norm: 17.4% of adults hold a bachelor's degree or higher, the median age is 40.5, and the average commute is 21 minutes. To put 46901 in local context, 7 ZIP codes within roughly 10 miles appear further down this page alongside 3 additional ZIPs in Howard County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 46901

Top 5 sectors by establishment count in Kokomo, IN

Which industries have the most business establishments in ZIP 46901.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 46901, Kokomo, IN · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

37,633

Population

359.1

Area (sq mi)

105

People / sq mi

Indiana/Indianapolis

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 46901?

40.5

Median Age

49.8%

Male

50.2%

Female

0.9%

Foreign-Born

White 84.2%
African American 8.1%
Asian 0.3%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.6%
Hispanic or Latino 4.6%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$60,495

Median Household Income

-18% vs state

$32,772

Per Capita Income

16.0%

Poverty Rate

7.9%

Unemployment Rate

20.9 min

Mean Commute Time

How ZIP 46901 ranks nationally

Kokomo, IN household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$60,495 30th percentile higher than 30% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 57.8%
Bachelor's Degree or Higher 17.4%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

18,117

Total Housing Units

15,817

Occupied Units

2,300

Vacant Units

2.35

Avg Household Size

Occupancy Type

Owner 70.0%
Renter 30.0%

$142,100

Median Home Value

-27% vs state

$887

Median Rent

1962

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+14.2%

YoY Change (2024)

189

HPI Index (2000 = 100)

+89%

Total Change Since 2000

Home values in ZIP 46901 have increased 14.2% over the past year (2024). Since 2000, this ZIP has seen +89% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.9% 122
2021 +9.0% 133
2022 +13.8% 151
2023 +9.4% 166
2024 +14.2% 189

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 831 business establishments in ZIP 46901, employing approximately 13,366 people with a combined annual payroll of $614,187,000.

831

Businesses

13,366

Employees

$614.2M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Retail trade 166 20.0%
Other services (except public administration) 116 14.0%
Accommodation and food services 98 11.8%
Health care and social assistance 94 11.3%
Construction 69 8.3%
Professional, scientific, and technical services 54 6.5%
Administrative and support and waste management and remediation services 40 4.8%
Manufacturing 37 4.5%
Finance and insurance 37 4.5%
Wholesale trade 33 4.0%
Real estate and rental and leasing 28 3.4%
Transportation and warehousing 24 2.9%
Arts, entertainment, and recreation 12 1.4%
Information 9 1.1%
Educational services 9 1.1%
Management of companies and enterprises 4 0.5%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 46901 vs 46959 →

ZIP 46901 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 46901 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 46901 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 46901 ranks #7 of 8 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
46959 Miami, IN 231 7.1 mi
46902 Kokomo, IN 35,697 6.8 mi
46914 Bunker Hill, IN 4,908 8.0 mi
46932 Galveston, IN 3,448 7.3 mi
46068 Sharpsville, IN 2,850 10.5 mi
46979 Russiaville, IN 4,733 9.3 mi
46994 Walton, IN 2,684 11.2 mi

More ZIP Codes in Howard County

46902 standard
Kokomo, IN
Pop: 35,697
46936 standard
Greentown, IN
Pop: 5,922
46979 standard
Russiaville, IN
Pop: 4,733

Related Areas

Howard County Kokomo, IN Indiana

Frequently Asked Questions

What county is ZIP code 46901 in? ▼
ZIP code 46901 (Kokomo) is located in Howard County, Indiana. Howard County contains multiple ZIP codes, see the full list at /counties/howard-in.
What is the population of ZIP code 46901? ▼
ZIP code 46901 in Kokomo, IN has a population of 37,633 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46901? ▼
The median household income in ZIP 46901 is $60,495, which is 21% below the national average of $76,288.
What is the average home value in ZIP 46901? ▼
The median home value in ZIP 46901 is $142,100, which is 49% below the national average of $278,155.
What is the demographic makeup of ZIP 46901? ▼
The largest racial group in ZIP 46901 is White at 84.2%. Hispanic or Latino residents make up 4.6% of the population.
How many businesses are in ZIP code 46901? ▼
ZIP code 46901 has 831 business establishments employing approximately 13,366 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46901? ▼
The top industries by establishment count in ZIP 46901 are: Retail trade (166), Other services (except public administration) (116), Accommodation and food services (98). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 46901? ▼
According to the FHFA House Price Index, home values in ZIP 46901 increased by 14.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 89%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 46901? ▼
In ZIP code 46901, 57.8% of residents aged 25+ have a high school diploma or higher, and 17.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 46901? ▼
The mean commute time for workers in ZIP code 46901 is 20.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 46901? ▼
In ZIP code 46901, approximately 70.0% of occupied housing units are owner-occupied and 30.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46901? ▼
The poverty rate in ZIP code 46901 is 16.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.